Cashback Rewards Plus American Express® Card vs Citi Strata℠ Card

Cashback Rewards Plus American Express® CardCashback Rewards Plus American Express® Card

USAA

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Citi Strata℠ CardCiti Strata℠ Card

Citi

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Annual Fee
No Annual Fee
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
Cash Back
ThankYou Points
Point Value
1.00¢/pt
1.90¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
—
20,000 ThankYou Points after $1,000 in 90 days

Effective return by category

CategoryCashback Rewards Plus American Express® CardCiti Strata℠ Card
Groceries3.00%
3x · $3,000 cap
5.70%
3x
Gas Stations5.00%
5x · $3,000 cap
5.70%
3x
EV Charging1.00%
1x
5.70%
3x
Dining & Restaurants1.00%
1x
3.80%
2x
Everything else1.00%
1x
1.90%
1x

Returns use our default point valuations — multiplier × point value. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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